From Paper Stacks to AI-Powered Verification: The Future of Mortgage Lending w/ Sasha Stair, CMB®

Описание: In this powerful episode of the Connect Podcast by California MBA, host and CEO Paul Gigliotti, sits down with Sasha Stair, CMB®, CMO at Xactus, to unpack the massive shift happening in mortgage verification.

Say goodbye to outdated, manual, paper-based processes — Xactus 360 delivers dynamic, data-driven verification that adapts in real time. Powered by strategic partnerships with Plaid (bank data) and FICO (advanced scoring), lenders can now consolidate credit, income, employment, identity, fraud, flood, and more into smarter, faster workflows.

Episode highlights:

Over 40% of U.S. workers have non-traditional income — how intelligent verification handles complexity without friction
Fannie Mae & MBA stats: ~25% of loans fall out due to incorrect income verification — the costly problem Xactus solves
Combining AI/machine learning automation with expert human consultation for lender-specific customization
Reducing loan fallout, speeding up pipelines, and improving borrower experience
Sneak peek at the upcoming Xactus Mortgage Intent Index — predicting borrower intent before they even apply

Whether you're a lender, mortgage exec, or fintech innovator, this conversation reveals how technology + strategic data partnerships are reshaping origination and borrower engagement.



Subscribe to California MBA's Connect Podcast for more insider conversations on mortgage innovation, compliance, and growth strategies.

Timestamps:

0:00 Intro & Guest Welcome
2:30 Evolution of Verification Landscape
8:15 The Non-Traditional Income Challenge
15:40 How Xactus 360 Works
22:10 Partnerships: Plaid, FICO & More
30:00 Reducing Fallout & Streamlining Workflows
38:45 Future: Mortgage Intent Index
45:00 Sponsor Thanks & Closing